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Student offer

Managing your money isn't easy when you're focused on your studies. Take charge of your finances thanks to our product offer 1 , services and tips for students.

Open an account for students

Our product offer

Open an everyday account for your day-to-day transactions like depositing paycheques, transferring funds and paying bills. You can also get a credit card and/or line of credit to help you finance your goals.

Eligibility

This offer is for if you meet 1 of the following 3 criteria:

  • You’re between 14 and 21
  • You’re between 22 and 25 enrolled in a full-time college or vocational program at a recognized educational institution in Canada
  • You’re a full-time university student of any age enrolled in a Canadian university
Important

Fee change

Starting in November 2024, we'll be making changes to both our youth offer (members ages 12 to 30) and our offer for members ages 31 and over.

See the changes to our youth offer (members ages 12 to 30) (PDF, 86 KB)
See the changes to our offer for members ages 31 and over (PDF, 112 KB)

Everyday account

An everyday account includes a free transaction plan with unlimited transactions 2  for as long as you're eligible.Set aside about 15 minutes to open your account

Open an account online

Credit cards

Earn up to 2% cash back on your purchases and up to 3 days of travel insurance with the no-fee 3 Cash Back Visa* and Cash Back Mastercard® credit cards.

The Odyssey Gold Visa (includes a $110 annual fee 3 ) offers a comprehensive travel insurance for up to 60 days 4 and earns you BONUSDOLLARS®, among other benefits. If you're a university student in an eligible field of study 5 you could receive an annual bonus of 110 BONUSDOLLARS for 2 or 3 years.

  • Accounting
  • Actuarial science
  • Chiropractic medicine
  • Dentistry
  • Engineering
  • Law
  • Medicine
  • Optometry
  • Pharmaceutical sciences
  • Pharmacology
  • Podiatry
  • Veterinary medicine

Lines of credit

The Student Advantage Line of Credit offers a customized credit limit, low interest rate, minimum adjusted repayment and overdraft protection.

The Student Strategic Line of Credit offers low rates to students enrolled in certain programs.

Student financial aid

Scholarships

We give out hundreds of scholarships to post-secondary students every year.

Learn more about our scholarships.

Student loans

You could be eligible for student financial assistance from the Quebec government.

Learn more about student loans.

It pays to save

Any reason to put money aside is a good one, whether it's to build a safety cushion, buy a new bike or spend a semester abroad.

Savings goals

The Savings goals tool in AccèsD can determine which savings product is right for you. Schedule automatic transfers to your savings account and make your plans a reality.

Use my Savings goals tool on AccèsD

Additional support

Together For Our Youth program

Learn about our initiatives to empower young people.

Learn more about the together for our youth program

A Question of Ca$h

Uncover some great tips and get answers to your questions about your personal finances. Topics include savings, budgets, education costs and credit.

See the series A Question of ca$h on YouTube External link.

Desjardins 360d spaces

Stop by one of our financial advice centres for students and young people ages 18 to 30, located on select university campuses.

Learn more about Desjardins 360d spaces

Get-rich-quick scams

Young people are often the targets of these kinds of scams. Criminals offer to pay you to use your account for certain transactions. It seems like a quick and easy way to make money. But it's illegal. If you accept, you could face serious consequences.

Learn more about get-rich-quick scams.

AccèsD resources

Student profile

Keep your Student profile up to date and get advice and offers tailored to your needs.

See your Student profile on AccèsD

Budgeting tool

Use the My budget tool to keep track of your income and expenses and set savings goals.

Go to My budget on AccèsD

Credit report tool

Check your credit file for free anytime with the Credit report tool.†

Go to My credit score on AccèsD

Contact us

By phone

Montreal area:
514-224-7737 Phone number of AccèsD customer service for the Montreal area. (514-CAISSES)

Elsewhere in Canada and the US:
1-800-224-7737 Phone number of AccèsD customer service for Canada and the US. (1-800-CAISSES)

We can call you when it's convenient.

Schedule a call with our team

Online

Learn more about our services.

Request information online
Odyssey ®, BONUSDOLLARS ®, Desjardins ®, Desjardins Insurance ®, all trademarks containing the word Desjardins, as well as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence. † The service is available 24/7 (except on Sundays from 2 AM to 6 AM ET). * Trademark of Visa International Service Association and used under licence. Mastercard ® and World Elite ® are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. To get this offer, you must go to your caisse or call 1-800-224-7737 Phone number of AccèsD customer service for Canada and the US. (1-800-CAISSES). You must also be able to prove that you meet the eligibility requirements.
The fee waiver only applies to the Unlimited plan. For withdrawals at non-Desjardins Interac† and Plus*-affiliated ATMs, fees of $1.50, $3.00 or $5.00 may apply. Some ATM operators may charge additional fees. They must inform you of the fee via an on-screen message before processing the transaction. You then have the option of cancelling the transaction. These fees are added to the withdrawal amount and paid directly to the ATM operator. For more information, visit the Fee page. You have 21 days from the date the monthly statement is issued to pay the full balance on your account without interest, except on cash advances.The minimum payment is 5% of the following: your outstanding balance, interest on purchases, monthly installments that were not paid by the due date for the previous period, regular purchases and cash advances from the current statement period, plus interest on cash advances. This amount will also include any other amounts due under your credit card contract. Here are some examples of applicable interest for a 30-day billing cycle: If the regular annual interest rate is 19.9% and your average daily outstanding balance is $100, you'd be charged $1.64 in interest. If it's $500, you'd be charged $8.18 in interest, and if it's $1,000 you'd be charged $16.36 in interest. This coverage is offered by Desjardins Financial Security and applies to people ages 75 and under. Coverage applies to cardholders, their spouse and dependent children when travelling with the cardholder. Some exclusions and restrictions apply. See your policy for coverage details. This offer applies only to university students who were approved for an eligible card after June 18,  2018.